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Frequently Asked Questions

Rehabilitation Deferment

What is it?
A means of deferring (postponing) payments due on your student loans while you are in rehabilitation.

When do I qualify?
You may qualify if you’re working less than 30 hours a week and receiving rehabilitation services.

When is a deferment a good idea?
When you are temporarily struggling to make your student loan payments.

When is a deferment not a good idea? 
When you have the ability to make payments to bring your account up to date, or when you are not sure that you will be able to resume payments soon. During any deferment on an unsubsidized loan, interest continues to accrue, even when you are not required to make payments. As a result, your balance and payment term are likely to increase.

How do I apply?
Click on the button below to view and print a rehabilitation deferment request form.  Please read the form carefully to make sure you qualify, and follow the instructions on the form. Mail your completed form(s) to us at:

Student Loan Counseling Service, Inc.
P.O. Box 1078
Waterloo, IA  50704-1078

To learn more about the rehabilitation deferment, click here.

If you think that you do not qualify for this type of deferment, please view any other options on your Results page, or click on the Return to Questionnaire button at the bottom of this page to make another selection.




Student Loan Counseling Service, Inc
(888) 633-4850


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